【摘要】：操作風(fēng)險管理已經(jīng)逐漸成為國內(nèi)商業(yè)銀行全面風(fēng)險管理的重要組成部分,其重要性日益彰顯。中國銀監(jiān)會明確提出操作風(fēng)險概念,要求各家商業(yè)銀行加大對操作風(fēng)險的防范,提高管理能力。但是,國內(nèi)商業(yè)銀行在操作風(fēng)險管理方面的實踐處于起步階段,在理念認識、管理方法等方面還較為薄弱。這也使得對商業(yè)銀行操作風(fēng)險管理的研究和實踐顯得十分迫切和必要。 本文以國內(nèi)商業(yè)銀行P銀行運營整合項目入手,結(jié)合運營業(yè)務(wù)管理和整合項目實際,通過訪談識別并梳理運營整合項目下的操作風(fēng)險點。在此基礎(chǔ)上,采用專家評分法對基于項目操作風(fēng)險點的各類影響因素進行分析,構(gòu)建了影響因素概念模型。通過兩輪專家評分,形成了最終的各操作風(fēng)險點影響因素的影響程度排序。 基于操作風(fēng)險點和影響因素的分析結(jié)果,本文對P銀行運營整合項目操作風(fēng)險影響因素的控制展開研究,提出了控制原則、依據(jù),建立了從銀行組織層面到項目層面,再到個體層面的控制體系,明確了具體的控制方法。借助P銀行的實際情況,提出了七項控制舉措,為P銀行運營整合項目的實際工作提供了有益的借鑒。 最終,本文還對P銀行項目案例進行了簡單的分析,設(shè)定了三項觀察指標,對項目中操作風(fēng)險控制成效進行觀察。通過實際工作驗證,在P銀行運營整合項目中,通過對影響因素的有效控制,其退件率、客戶滿意度、作業(yè)差錯率三項指標均達到項目預(yù)期。這也印證了本文所做研究在實踐方面的作用。
[Abstract]:Operational risk management has gradually become an important part of the overall risk management of domestic commercial banks, and its importance is becoming more and more obvious. China Banking Regulatory Commission clearly puts forward the concept of operational risk, and requires all commercial banks to increase the prevention of operational risk and improve their management ability. However, the practice of domestic commercial banks in the field of operational risk management is still in its infancy, and it is still weak in the aspects of concept understanding, management methods and so on. This also makes the research and practice of operational risk management of commercial banks very urgent and necessary. This article starts with the P bank operation integration project of domestic commercial bank, combines the operation business management and the practice of the integration project, identifies and combs the operation risk point under the operation integration project through the interview. On this basis, using expert scoring method to analyze all kinds of influencing factors based on project operational risk points, and construct the conceptual model of influencing factors. Through two rounds of expert scoring, the final ranking of the influencing factors of each operational risk point is formed. Based on the analysis results of operational risk points and influencing factors, this paper studies the control of operational risk influencing factors of P bank operation integration project, puts forward the control principles and bases, and establishes from the bank organization level to the project level. Then to the individual level of the control system, the specific control methods. With the help of the actual situation of P Bank, this paper puts forward seven control measures, which provides a useful reference for the practical work of P Bank's operation and integration project. Finally, this paper also makes a simple analysis of the P bank project case and sets up three observation indexes to observe the effectiveness of operational risk control in the project. Through the actual work verification, in the P bank operation integration project, through the effective control of the influencing factors, its return rate, customer satisfaction, job error rate are all up to the project expectations. This also confirms the role of the research in practice.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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